May 17, 2013, 10:08 pm
Last edit by: beltway
This thread is now archived. For later discussion, see the threads starting at May 2015 (now also closed) and January 2017 (current, with updated wiki).
Applying for Chase Credit Cards- Archived 2008-5/2015
Feb 28, 2012, 2:48 pm
#481
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Also I forgot to add that Chase usually requires the account to be open for 12 months before they will let you product change to something else. I'm not sure if this applies to you, but figured I'd mention it.
Mar 1, 2012, 10:44 am
#482
Join Date: Oct 2002
Posts: 676
There is no link. You need to access your United account to get their targeted offer. The chances are if you have any United miles in your account, you will receive it after you log in. If you have Continental miles, you could transfer a few miles to United to trigger the offer.
Mar 1, 2012, 10:56 am
#483
Join Date: Oct 2002
Posts: 676
In order to get both the United and Sapphire, I should apply for the United first and then the Sapphire or is it the other way around? How long do I have to wait between each application? Can I apply on the same day?
Mar 1, 2012, 11:14 am
#484
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
You can apply on the same day, you'll just need to call the recon line on the 2nd application. I would apply for whichever one you want the most first, to at least get that card approved. Then apply for the 2nd card and give the reconsideration department a call to explain things.
Mar 1, 2012, 1:43 pm
#485
Join Date: Oct 2002
Posts: 676
You can apply on the same day, you'll just need to call the recon line on the 2nd application. I would apply for whichever one you want the most first, to at least get that card approved. Then apply for the 2nd card and give the reconsideration department a call to explain things.
Mar 1, 2012, 2:17 pm
#486
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Well the CSP has no FTF and a number of other benefits. Tell them you want it for international travel. If they ask why the United Card, just say that's your primary airline and you like all of the benefits they provide with the card (priority boarding, club passes, etc.).
Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.
Obviously don't call up and just say you'd like 100k points.
Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.
Obviously don't call up and just say you'd like 100k points.
Mar 1, 2012, 2:58 pm
#487
Join Date: May 2010
Programs: Hyatt Plat, Hilton Gold
Posts: 241
I applied for a freedom card a week ago. Tried calling in the automatic line and just got no decision has been made please wait type message. I only have sapphire pref card from chase. Is there any other number I can call to get a decision?
I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
Mar 1, 2012, 4:03 pm
#488
Join Date: Oct 2002
Posts: 676
Well the CSP has no FTF and a number of other benefits. Tell them you want it for international travel. If they ask why the United Card, just say that's your primary airline and you like all of the benefits they provide with the card (priority boarding, club passes, etc.).
Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.
Obviously don't call up and just say you'd like 100k points.
Study the cards and know the benefits, they are more likely to give you the benefit of the doubt if you can explain exactly why you want each one.
Obviously don't call up and just say you'd like 100k points.
Last edited by Ducati; Mar 1, 2012 at 4:36 pm
Mar 1, 2012, 6:33 pm
#489
Join Date: Feb 2012
Posts: 30
I applied for a freedom card a week ago. Tried calling in the automatic line and just got no decision has been made please wait type message. I only have sapphire pref card from chase. Is there any other number I can call to get a decision?
I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
I think I called a number for my sapphire pref after a week and got a decision over the phone. Or just let it wait? I'd like to use the amazon bonus before it runs out.
Mar 1, 2012, 8:24 pm
#490
Join Date: Aug 2011
Location: DFW
Programs: AA PLT, HH Gold, SPG/Marriott Gold
Posts: 1,091
Thanks again for your poignant responses. I called 888-245-0625 and the CSR said that the second card was declined. But since customers are allowed to have two apps in 30 days, she approved the second card. The CSR never asked why I needed the second card. She was very courteous and helpful.
Mar 2, 2012, 4:12 am
#491
Join Date: Nov 2011
Location: MEX
Posts: 1,014
Just a warning to all:
Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.
All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.
No late payments, no abuse, no dormant cards for 3 months. Careful, all.
Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.
All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.
No late payments, no abuse, no dormant cards for 3 months. Careful, all.
Mar 2, 2012, 4:18 am
#492
Join Date: Jan 2011
Programs: CO, BA, UA, AA, PC, HH, MARRIOT, HYATT, MR, STARWOOD
Posts: 287
Just a warning to all:
Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.
All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.
No late payments, no abuse, no dormant cards for 3 months. Careful, all.
Have had 3 cards with Chase, 2 from November one in January. All 3 with same credit limit. A few days ago they decided to close one account without notice. Then another one they decreased the credit limit by 85%.
All in all, they closed one card and effectively reduced my credit limit by almost 65% between the 3 of them.
No late payments, no abuse, no dormant cards for 3 months. Careful, all.
Mar 2, 2012, 8:13 am
#493
Join Date: Nov 2011
Location: MEX
Posts: 1,014
Not a single gift card. 2 of the 3 cards at <5% utilization. Other card I was using for everything and got to about 95% utilization. Before they closed one of the <5% cards on Monday I was using about 35% of my total credit line with the bank.
Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
Mar 2, 2012, 10:12 am
#494
Join Date: Oct 2002
Posts: 676
When getting these cards, I always call to reduce my line of credit to say $7,000. I don't need a $16,000 limit on a single card.
Mar 2, 2012, 12:45 pm
#495
Join Date: Feb 2003
Posts: 8,135
Not a single gift card. 2 of the 3 cards at <5% utilization. Other card I was using for everything and got to about 95% utilization. Before they closed one of the <5% cards on Monday I was using about 35% of my total credit line with the bank.
Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
Called and was told on Wednesday I became a financial risk. Have since payed all remaining balance. IMO, they just freaked out.
That said, I'm curious whether you had a lot of new credit, or high utilization ratios, with cards from other issuers. As I recall, somebody wrote to FTG a week or so ago saying Chase has closed him down because he'd opened a number of new accounts -- which were apparently the proverbial straw that broke the camel's back -- with Citi.